There are so many ways to get around paying for ringtones with any carrier. That link kelly posted is pretty useful

But there are also plenty of ways to get programs and ringtones and everything for free. GSM phones FTW, especially when you know someone that works for the company. For example, whenever my gf wants anything, I put my SIM card and she can download whatever she wants for free. And sometimes some of those games are like $20.